DE PAEPE AGRO
ActiveDE PAEPE AGRO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €842k and a net result of €104k. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 88% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-4
Solvency100▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 6.55 against 3.46 in 2024; short-term debt: 15.1% and cash: 50.6% of total assets), and 15.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.9%
Return on assets
10.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
30 d late
2024
7 d early
2023
61 d late
2022
60 d late
2021
4 d early
2020
102 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€842k▲ 14.1%
2024 · €739k
2020: €133k
2021: €231k
2022: €383k
2023: €592k
2024: €739k
2020 → 2025
Total assets
€992k▼ 3.8%
2024 · €1.03M
2020: €290k
2021: €603k
2022: €603k
2023: €842k
2024: €1.03M
2020 → 2025
Net result
€104k▼ 29.0%
2024 · €146k
2020: €113k
2021: €98k
2022: €152k
2023: €209k
2024: €146k
2020 → 2025
Working capital
€831k▲ 15.4%
2024 · €720k
2020: €133k
2021: €231k
2022: €351k
2023: €567k
2024: €720k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€383k▲ 65.7%€592k▲ 54.7%€739k▲ 24.7%€842k▲ 14.1%
Operating result€139k-€220k▲ 58.4%€280k▲ 27.2%€213k▼ 23.7%€159k▼ 25.3%
Net result€98k-€152k▲ 54.7%€209k▲ 37.9%€146k▼ 30.2%€104k▼ 29.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €992k
Fixed assets
€12k▼ 37.1%
Current assets
€981k▼ 3.2%
Equity and liabilities €992k
Equity
€842k▲ 14.1%
Debt
€150k▼ 48.8%
The debt ratio falls from 28.4% to 15.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166k▼
2024 · €220k
Cash flow
€111k▼
2024 · €153k
Solvency
84.9%▲
2024 · 71.6%
Current ratio
6.55▲
2024 · 3.46
Quick ratio
6.55▲
2024 · 3.46
Debt / equity
0.18▼
2024 · 0.40
ROE
12.3%▼
2024 · 19.8%
ROA
10.5%▼
2024 · 14.2%
Interest coverage
27.14▼
2024 · 378.13
Debt
€150k▼
2024 · €293k
Debt ≤ 1 year
€150k▼
2024 · €293k
Income taxes
€54k▼
2024 · €73k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€992k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Furniture and vehicles24€18k€12k▼
Current assets29/58€1.01M€981k▼
Amounts receivable within one year40/41€678k€479k▼
Trade receivables40€674k€452k▼
Other amounts receivable41€3k€26k▲
Cash at bank and in hand54/58€335k€502k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€992k▼
Equity10/15€739k€842k▲
Contributions10/11€20k€20k=
Reserves13€719k€822k▲
Distributable reserves133€719k€822k▲
Amounts payable17/49€293k€150k▼
Amounts payable within one year42/48€293k€150k▼
Trade debts44€260k€117k▼
Suppliers440/4€260k€117k▼
Taxes, remuneration and social security45€27k€28k▲
Taxes450/3€27k€28k▲
Other amounts payable47/48€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€216€227▲
Gross operating margin9900€220k€166k▼
Operating profit (loss)9901€213k€159k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€582€6k▲
Recurring financial charges65€582€6k▲
Profit (loss) for the period before taxes9903€219k€158k▼
Income taxes67/77€73k€54k▼
Profit (loss) for the period9904€146k€104k▼
Profit (loss) for the period to be appropriated9905€146k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€104k▼
Transfer to equity691/2€146k€104k▼
To other reserves6921€146k€104k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2020net €209k ▲37.9%
Operating result €280k, net result €209k, both a record.
31-12
Financial
Equity above €500kEq €592k ▲54.7%
4 profitable years in a row build equity to €592k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €98k ▼13.2%
Net result drops to €98k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €231k ▲73.8%
2 profitable years in a row build equity to €231k.
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vijverstraat 14D9160 LokerenGround area
7,730 m²
Building footprint
2,124 m²
Volume, LiDAR
12,928 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE PAEPE AGRO BV
since 20212.324.997.948
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007D1340/00B000 | Flanders | 7,366 m² | 1 · 1,968 m² | 8.6 m · 2 fl. |
| 46007D2150/00A000 | Flanders | 364 m² | 1 · 157 m² | 5.4 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.324.997.948
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Of 77 companies in sector 46214 we hold annual accounts for 35. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2020
Fiscal year end31-12
Activities, NACEBEL
46214Wholesale trade
46211Wholesale trade
46852Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.